Asset & Equipment Finance — Perth, Western Australia
Equipment, vehicles and commercial facilities for sole traders, companies, trusts and partnerships — and consumer lending when the purchase is personal. One broker, a panel of lenders, straight answers.
What we finance
Sole trader, company, trust or partnership — each is assessed differently, and the lender that suits one rarely suits another. Tell us what you are buying and we will point you at the right one.
Pick what you are financing and we will tell you which of our services fits.
Excavators, forklifts, CNC machines, medical and IT equipment — new or used. We structure the term around how the asset actually earns for you.
Equipment financeWorking capital, business loans and cash flow facilities for established operators. We put your file in front of the lenders most likely to say yes.
Commercial financeCars, utes, trucks, trailers and prime movers, for business or private use. Chattel mortgage, hire purchase or lease — we will tell you which suits and why.
Automotive financeBoats, caravans, jet skis and motorhomes. Leisure assets have their own lender rules and term limits, and we know which are worth approaching.
Leisure financePersonal lending for renovations, consolidation or a one-off expense. The same lender panel and the same process, without the branch queue.
Personal loansMost enquiries start with a five-minute call. Tell us the asset and the entity buying it, and we will tell you where it fits.
Call 0413 444 500What a broker actually does
We are not a lender. We are the people who know which lender to ask — and what they need to see before they say yes.
That difference is worth money. A file sent to the wrong lender comes back as a decline, and declines stay on your credit file where the next lender can see them.
How it works
A short call. The asset, the entity buying it, and roughly what you are looking to spend. No paperwork at this stage.
Your file goes to the lenders whose criteria actually fit — rather than being shopped around, collecting declines that mark your credit file.
We handle the lender paperwork and keep you posted until the asset is yours. You deal with the same broker the whole way through.
How we work
You will not be handed between departments. The person who takes your first call is the person who prepares your file, speaks to the lenders and rings you when it settles.
That matters most when something needs explaining — a trust structure, a used asset, a year that looked unusual on paper. Files like those get declined by process. They get approved by someone who can put them in context.
Why Pura
We operate under Viking Aggregation's licence, which gives access to a broad panel rather than one institution's appetite on the day.
Term, balloon and structure change what an asset costs you month to month. We set those deliberately rather than taking the default.
Sole trader, company, trust or partnership — each is assessed differently. We prepare the file the way the lender needs to see it.
Common questions
Not always. Many equipment and vehicle lenders will fund the full purchase price for an established business with a clean credit file. Deposits come into play where the asset is older, the entity is newly formed, or the file needs support elsewhere.
No. A credit enquiry is only recorded when an application is lodged with a lender — not when we have a conversation.
That is exactly why we work out lender fit before lodging anything. A file shopped around indiscriminately collects declines, and those declines sit on your credit file where the next lender can see them.
For a straightforward asset purchase by an established entity, often a matter of days. Complex structures, older assets or files needing additional documentation take longer.
We will tell you early which of those you are, rather than letting you assume the shorter one.
Yes. Age limits vary considerably by lender and by asset type — leisure craft and older machinery carry tighter rules than late-model vehicles. This is one of the main reasons lender choice matters as much as it does.
Broadly: under a chattel mortgage you own the asset from day one and the lender takes security over it. Under a lease the financier owns the asset and you pay to use it.
Which suits you depends on your entity structure and how the asset is treated in your accounts. We will walk you through the options, and we would always suggest confirming the tax treatment with your accountant.
Fees and the commissions we may receive are set out in full in our Credit Guide, which we provide before any application is lodged. Ask us at the first call and we will tell you plainly.
Clear / Transparent / Secure
Tell us what you are looking to finance and we will come back to you with the options worth considering.
